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  • Every week I balance my budget. That means I:

1️⃣Update my budget spreadsheet with all my spending
2️⃣Check my bank accounts
3️⃣Make sure they match

This gets tricky when there are pending transactions. We use cards instead of cash so sometimes I have to do a little math to make sure that when all transactions go through, my spreadsheet ($ I should have remaining) will match my bank accounts ($ I actually have remaining). They almost never match exactly at the same time, like ever.

You would do the same thing here with a pen and paper budget! Make sure your “$ remaining” on paper matches your “$ remaining” in real life.

Sometimes I balance it more often if we’ve been doing a lot of wacky transactions. The longer you go without balancing, the harder it is to balance.

Happy budgeting!

How often do you balance your budget and do you get as much satisfaction out of balancing it as I do?😂#nerd #budgetnerd
  • Every week I balance my budget. That means I:

    1️⃣Update my budget spreadsheet with all my spending
    2️⃣Check my bank accounts
    3️⃣Make sure they match

    This gets tricky when there are pending transactions. We use cards instead of cash so sometimes I have to do a little math to make sure that when all transactions go through, my spreadsheet ($ I should have remaining) will match my bank accounts ($ I actually have remaining). They almost never match exactly at the same time, like ever.

    You would do the same thing here with a pen and paper budget! Make sure your “$ remaining” on paper matches your “$ remaining” in real life.

    Sometimes I balance it more often if we’ve been doing a lot of wacky transactions. The longer you go without balancing, the harder it is to balance.

    Happy budgeting!

    How often do you balance your budget and do you get as much satisfaction out of balancing it as I do?😂 #nerd #budgetnerd
  • 1,970 89 11 June, 2019
  • To say I’ve been spoiled for my birthday is an absolute understatement. This is the loot from my inlaws (the cash, of course) and my SIL (the Tiffany necklace). I also received $100 from my brother and his family yesterday when I saw them 💖
•
My SIL wrote the most heartfelt card. Since 2008 we have been passing the same card back and forth for both our birthdays (when we ran out of space she tied some pages in there, she’s very crafty!). She just lost her husband 3 months ago to cancer and has a 7 month old baby. But the words she wrote in the card were so meaningful and beautiful. I absolutely love the necklace, but the words in the card 😭 it’s been a really hard time for everyone, but nobody more than her. And the fact that she said such beautiful things that made me feel a renewed strength to just keep going and being there for them...priceless.
•
Then yesterday on our way to the Queen concert with my brother and his wife, they told us they’re expecting baby number three 💖 right after we had just told them we’re moving back to the same area they live (instead of being 25 mins away like we are now, we will only be 2 mins away). Them telling us this cemented our decision. What validation. We will also be 5 mins from my inlaws as well as my SIL and baby as she now lives with them after the death of her husband.
•
I now have absolutely no doubt in my mind that we are doing the right thing moving back to our townhouse in our old area. Family really is everything. We have been through so much (just like everyone else out there) but we stick together. It’s what families do. Everything happens for a reason and I’m blessed to have them all in my life 🙏
•
Now I must start winding down as I have a 3:15am alarm, a 4:15am pick up and a 7:30am flight to outback Australia for a work trip for the entire week 😅 I’m exhausted just thinking about it but I will put my big girl pants on and keep reminding myself of how lucky I am for everything I have, and I might even wear my new Tiffany necklace 😍
  • To say I’ve been spoiled for my birthday is an absolute understatement. This is the loot from my inlaws (the cash, of course) and my SIL (the Tiffany necklace). I also received $100 from my brother and his family yesterday when I saw them 💖

    My SIL wrote the most heartfelt card. Since 2008 we have been passing the same card back and forth for both our birthdays (when we ran out of space she tied some pages in there, she’s very crafty!). She just lost her husband 3 months ago to cancer and has a 7 month old baby. But the words she wrote in the card were so meaningful and beautiful. I absolutely love the necklace, but the words in the card 😭 it’s been a really hard time for everyone, but nobody more than her. And the fact that she said such beautiful things that made me feel a renewed strength to just keep going and being there for them...priceless.

    Then yesterday on our way to the Queen concert with my brother and his wife, they told us they’re expecting baby number three 💖 right after we had just told them we’re moving back to the same area they live (instead of being 25 mins away like we are now, we will only be 2 mins away). Them telling us this cemented our decision. What validation. We will also be 5 mins from my inlaws as well as my SIL and baby as she now lives with them after the death of her husband.

    I now have absolutely no doubt in my mind that we are doing the right thing moving back to our townhouse in our old area. Family really is everything. We have been through so much (just like everyone else out there) but we stick together. It’s what families do. Everything happens for a reason and I’m blessed to have them all in my life 🙏

    Now I must start winding down as I have a 3:15am alarm, a 4:15am pick up and a 7:30am flight to outback Australia for a work trip for the entire week 😅 I’m exhausted just thinking about it but I will put my big girl pants on and keep reminding myself of how lucky I am for everything I have, and I might even wear my new Tiffany necklace 😍
  • 489 23 16 February, 2020

Latest Instagram Posts

  • The patience and consistency of getting out of debt is the hardest part right now. My debt ⛄️ snowball is paused right now as I’m moving cities in 2 days, and the reality is that transitional times in life need some grace. My 🦶🏼 foot will be back on the gas in no time 🧘🏻‍♀️
  • The patience and consistency of getting out of debt is the hardest part right now. My debt ⛄️ snowball is paused right now as I’m moving cities in 2 days, and the reality is that transitional times in life need some grace. My 🦶🏼 foot will be back on the gas in no time 🧘🏻‍♀️
  • 27 1 15 hours ago
  • 🎼 It could have been me, outdoors, with no food, or no clothes....THANK YOU LORD FOR ALL YOUVE DONE FOR ME! 
Only $2.17 over budget! Mainly because I opted for the family size box of cheese crackers for my child as that’s the first thing he ask for when we get home...boys can eat🤦🏽‍♀️🤣 (notice his snack)

But, not I will take that into account next budgeting period and when we are coming up with meals for the week!

I always keep my misc cash envelope on me for this purpose!

#feedingmyhouse #budgetnerd #cashenvelope #adulting
  • 🎼 It could have been me, outdoors, with no food, or no clothes....THANK YOU LORD FOR ALL YOUVE DONE FOR ME!
    Only $2.17 over budget! Mainly because I opted for the family size box of cheese crackers for my child as that’s the first thing he ask for when we get home...boys can eat🤦🏽‍♀️🤣 (notice his snack)

    But, not I will take that into account next budgeting period and when we are coming up with meals for the week!

    I always keep my misc cash envelope on me for this purpose!

    #feedingmyhouse #budgetnerd #cashenvelope #adulting
  • 20 2 18 February, 2020
  • 🥳🥳🥳I oversaved for daycare this month, so I just transferred the money I had saved for a week of daycare RIGHT to savings!!!! YESSSSSSSSSSSSSSSSS #officially on #babystep2
  • 🥳🥳🥳I oversaved for daycare this month, so I just transferred the money I had saved for a week of daycare RIGHT to savings!!!! YESSSSSSSSSSSSSSSSS #officially on #babystep2
  • 70 9 16 February, 2020
  • To say I’ve been spoiled for my birthday is an absolute understatement. This is the loot from my inlaws (the cash, of course) and my SIL (the Tiffany necklace). I also received $100 from my brother and his family yesterday when I saw them 💖
•
My SIL wrote the most heartfelt card. Since 2008 we have been passing the same card back and forth for both our birthdays (when we ran out of space she tied some pages in there, she’s very crafty!). She just lost her husband 3 months ago to cancer and has a 7 month old baby. But the words she wrote in the card were so meaningful and beautiful. I absolutely love the necklace, but the words in the card 😭 it’s been a really hard time for everyone, but nobody more than her. And the fact that she said such beautiful things that made me feel a renewed strength to just keep going and being there for them...priceless.
•
Then yesterday on our way to the Queen concert with my brother and his wife, they told us they’re expecting baby number three 💖 right after we had just told them we’re moving back to the same area they live (instead of being 25 mins away like we are now, we will only be 2 mins away). Them telling us this cemented our decision. What validation. We will also be 5 mins from my inlaws as well as my SIL and baby as she now lives with them after the death of her husband.
•
I now have absolutely no doubt in my mind that we are doing the right thing moving back to our townhouse in our old area. Family really is everything. We have been through so much (just like everyone else out there) but we stick together. It’s what families do. Everything happens for a reason and I’m blessed to have them all in my life 🙏
•
Now I must start winding down as I have a 3:15am alarm, a 4:15am pick up and a 7:30am flight to outback Australia for a work trip for the entire week 😅 I’m exhausted just thinking about it but I will put my big girl pants on and keep reminding myself of how lucky I am for everything I have, and I might even wear my new Tiffany necklace 😍
  • To say I’ve been spoiled for my birthday is an absolute understatement. This is the loot from my inlaws (the cash, of course) and my SIL (the Tiffany necklace). I also received $100 from my brother and his family yesterday when I saw them 💖

    My SIL wrote the most heartfelt card. Since 2008 we have been passing the same card back and forth for both our birthdays (when we ran out of space she tied some pages in there, she’s very crafty!). She just lost her husband 3 months ago to cancer and has a 7 month old baby. But the words she wrote in the card were so meaningful and beautiful. I absolutely love the necklace, but the words in the card 😭 it’s been a really hard time for everyone, but nobody more than her. And the fact that she said such beautiful things that made me feel a renewed strength to just keep going and being there for them...priceless.

    Then yesterday on our way to the Queen concert with my brother and his wife, they told us they’re expecting baby number three 💖 right after we had just told them we’re moving back to the same area they live (instead of being 25 mins away like we are now, we will only be 2 mins away). Them telling us this cemented our decision. What validation. We will also be 5 mins from my inlaws as well as my SIL and baby as she now lives with them after the death of her husband.

    I now have absolutely no doubt in my mind that we are doing the right thing moving back to our townhouse in our old area. Family really is everything. We have been through so much (just like everyone else out there) but we stick together. It’s what families do. Everything happens for a reason and I’m blessed to have them all in my life 🙏

    Now I must start winding down as I have a 3:15am alarm, a 4:15am pick up and a 7:30am flight to outback Australia for a work trip for the entire week 😅 I’m exhausted just thinking about it but I will put my big girl pants on and keep reminding myself of how lucky I am for everything I have, and I might even wear my new Tiffany necklace 😍
  • 489 23 16 February, 2020
  • Stop it. Even if you pay it off every month, they are still getting you! #cutupthecreditcard
  • Stop it. Even if you pay it off every month, they are still getting you! #cutupthecreditcard
  • 24 2 16 February, 2020
  • We had more of a surplus last month than we had anticipated so we held on to it for a few weeks to make sure we hadn’t forgotten a bill or something major. Nothing has come up, so we feel safe sending that to my car loan in addition to my side hustle paycheck and my payout from TpT. Once this clears, we’ll be in the $5k range!! Since the end of December, we’ve been able to chip away $2000 off the loan. Really praying we can see the end of this over the summer, even though our general goal has been to pay it off by the end of the year. 😅
  • We had more of a surplus last month than we had anticipated so we held on to it for a few weeks to make sure we hadn’t forgotten a bill or something major. Nothing has come up, so we feel safe sending that to my car loan in addition to my side hustle paycheck and my payout from TpT. Once this clears, we’ll be in the $5k range!! Since the end of December, we’ve been able to chip away $2000 off the loan. Really praying we can see the end of this over the summer, even though our general goal has been to pay it off by the end of the year. 😅
  • 72 1 14 February, 2020
  • I ran into one of my mentors at Aldi yesterday. He’s a physician, now retired, and a millionaire at least a few times over.  He was buying roses for his wife. At Aldi.

I was telling hubby last night how good it was to see him and catch up, and how I noticed that he was buying roses at Aldi.  And how glad I am that I have people that to look up to that are living the path that we are on.

Then today, hubby surprises me with these!  He knows I don’t care for roses, so he picked out this bouquet — from Aldi.

I love this journey we are on, that we have great role models to lead the way, but mostly I am glad that we get to share this journey with eachother. ❤️
  • I ran into one of my mentors at Aldi yesterday. He’s a physician, now retired, and a millionaire at least a few times over. He was buying roses for his wife. At Aldi.

    I was telling hubby last night how good it was to see him and catch up, and how I noticed that he was buying roses at Aldi. And how glad I am that I have people that to look up to that are living the path that we are on.

    Then today, hubby surprises me with these! He knows I don’t care for roses, so he picked out this bouquet — from Aldi.

    I love this journey we are on, that we have great role models to lead the way, but mostly I am glad that we get to share this journey with eachother. ❤️
  • 31 2 14 February, 2020
  • A friendly reminder from your money guide...
.
We’re halfway through February already! Not sure where the time has gone...🤔
.
So after you’ve stuffed your face with chocolates and sniffed all the roses, be sure to take some time to give your finances some lovin’! 🥰
.
This weekend is the PERFECT time to check in on your budget and recent spending to see how you’re doing for the month so far
.
Remember, if you’ve gotten off track, it’s not too late to hop back on! Let’s finish the month strong together!
.
Need a hand with budgeting? I GOTCHU FAM.
.
I created a FREE 5-step guide JUST FOR YOU to help you create one super easy in Google Sheets!
.
Tap the link in my bio to get yours or comment below and I'll DM you the link 😉
.
Oh, and Happy Valentine’s Day my lovelies 😘
.
#millennialmoneyguide #budget #howtobudget #valentinesday2020 #loveisintheair #freebie #googlesheets #budgetnerd #hustlewithease 💸
  • A friendly reminder from your money guide...
    .
    We’re halfway through February already! Not sure where the time has gone...🤔
    .
    So after you’ve stuffed your face with chocolates and sniffed all the roses, be sure to take some time to give your finances some lovin’! 🥰
    .
    This weekend is the PERFECT time to check in on your budget and recent spending to see how you’re doing for the month so far
    .
    Remember, if you’ve gotten off track, it’s not too late to hop back on! Let’s finish the month strong together!
    .
    Need a hand with budgeting? I GOTCHU FAM.
    .
    I created a FREE 5-step guide JUST FOR YOU to help you create one super easy in Google Sheets!
    .
    Tap the link in my bio to get yours or comment below and I'll DM you the link 😉
    .
    Oh, and Happy Valentine’s Day my lovelies 😘
    .
    #millennialmoneyguide #budget #howtobudget #valentinesday2020 #loveisintheair #freebie #googlesheets #budgetnerd #hustlewithease 💸
  • 44 4 14 February, 2020
  • Half way there!!! Woo hoo!! Only $5000 separates us from having NO CAR PAYMENTS!!! 💪🏼
  • Half way there!!! Woo hoo!! Only $5000 separates us from having NO CAR PAYMENTS!!! 💪🏼
  • 40 3 14 February, 2020
  • First things first - THIS IS MY ONE THOUSANDTH POST! 🎉🎉🎉 Thanks for sticking with me guys! Big love to you all 💖
•
Secondly. We’ve made yet another massive life decision (which means, once again, goals and plans are a-changing! You should be used to this from me lately). We are not only going to sell our IP unit in a few months, but then we’re also going to put our home on the market towards the end of the year and then renovate / move into our IP townhouse 😱 our reason? We don’t see the point in delaying being mortgage free if this is what we are planning on doing down the track anyway!
•
We were going to pay off our home hopefully by end of next year then sell and renovate / move into the IP townhouse in 2022. We are already well and truly in a position where if we sell our home now, we’ll be mortgage free anyway as we have about $500K equity at present in our home (when we sell our unit, we should profit hopefully around $75K which will go towards our mortgage and also towards renovating the townhouse before we move in). When we sell, it will rid us of our mortgage plus the $198K owing on our IP townhouse. We should still have a few hundred thousand leftover. We are so blessed that we bought all our properties before the boom as equity / rising values is playing a huge part in all this. Plus our hard work and sheer determination.
•
Today, I turn 36 (I’m ignoring V-Day because it doesn’t interest me). I’m not big on birthdays, but this one is feeling a bit significant as it hopefully is the age where we become MORTGAGE FREE!!! 🥳🔪🏠🏦🎉😱💥😭🙏🤩
•
#comebudgetwithme #projectmortgageslay2020 #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth #wealthbuilding #enjoyyourmoney
  • First things first - THIS IS MY ONE THOUSANDTH POST! 🎉🎉🎉 Thanks for sticking with me guys! Big love to you all 💖

    Secondly. We’ve made yet another massive life decision (which means, once again, goals and plans are a-changing! You should be used to this from me lately). We are not only going to sell our IP unit in a few months, but then we’re also going to put our home on the market towards the end of the year and then renovate / move into our IP townhouse 😱 our reason? We don’t see the point in delaying being mortgage free if this is what we are planning on doing down the track anyway!

    We were going to pay off our home hopefully by end of next year then sell and renovate / move into the IP townhouse in 2022. We are already well and truly in a position where if we sell our home now, we’ll be mortgage free anyway as we have about $500K equity at present in our home (when we sell our unit, we should profit hopefully around $75K which will go towards our mortgage and also towards renovating the townhouse before we move in). When we sell, it will rid us of our mortgage plus the $198K owing on our IP townhouse. We should still have a few hundred thousand leftover. We are so blessed that we bought all our properties before the boom as equity / rising values is playing a huge part in all this. Plus our hard work and sheer determination.

    Today, I turn 36 (I’m ignoring V-Day because it doesn’t interest me). I’m not big on birthdays, but this one is feeling a bit significant as it hopefully is the age where we become MORTGAGE FREE!!! 🥳🔪🏠🏦🎉😱💥😭🙏🤩

    #comebudgetwithme #projectmortgageslay2020 #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth #wealthbuilding #enjoyyourmoney
  • 326 39 14 February, 2020
  • Last night I was laying in bed stressing about money because this upcoming month we have an unintended zero based budget. As much as I like the idea of zero based budgets, seeing $0 really causes me a lot of stress. Anyway.. so I'm laying there stressing then I hear my phone ding and BAM! Centrelink paid us CCS that they owed from us paying full fees lately. I literally teared up I was so grateful that it hot at that exact moment. This money will be used for a little buffer and debt! 😊
  • Last night I was laying in bed stressing about money because this upcoming month we have an unintended zero based budget. As much as I like the idea of zero based budgets, seeing $0 really causes me a lot of stress. Anyway.. so I'm laying there stressing then I hear my phone ding and BAM! Centrelink paid us CCS that they owed from us paying full fees lately. I literally teared up I was so grateful that it hot at that exact moment. This money will be used for a little buffer and debt! 😊
  • 57 6 14 February, 2020
  • I definitely believe in using cash to stay on #budget. We have had a cash #grocerybudget for years. It forces me to pay attention to every dollar we spend and doesn't allow me to get out of hand with overspending.

It doesn't come without drawbacks though. It's easy to forget the cash at home. I've actually set down my money, receipts, and list at the store and forgotten it on the shelf (yes I got it back, all intact.) And, of course, it's possible to drop money and lose it. I've had to train myself to be more on the ball with our cash and be extra careful.

I took a few minutes today to add up what we've spent thus far in February and review what we have left to work with... I was $100 short. What?! Just a little moment of panic there! I added the numbers again. I counted my receipts to make sure I hadn't missed one. I thought maybe I didn't pull out the right amount for the month so I went back and checked. I counted and counted, added and added, where on earth did the money go? After trying to figure out how I explain this big oops to my husband, I found the error. I recorded one of my transactions as $139 instead of the actual $239 I spent! Whew! I don't usually spend that much at Sam's Club, and the number just slipped by me. Thank goodness I didn't lose anything! This little bit of excitement reminded me to be very diligent about watching those dollars - every one matters when it comes to budgeting!

#cashisking #lifeonabudget #babystep7 #debtfreecommunity #frugalliving #livingfrugal #livingonabudget #livelikenooneelse #oneincomefamily #frugalfamily #savemoney #debtfree2020 #liveonlessthanyoumake #debtfree #budgetnerd #beintentional #focusednotfinished
  • I definitely believe in using cash to stay on #budget . We have had a cash #grocerybudget for years. It forces me to pay attention to every dollar we spend and doesn't allow me to get out of hand with overspending.

    It doesn't come without drawbacks though. It's easy to forget the cash at home. I've actually set down my money, receipts, and list at the store and forgotten it on the shelf (yes I got it back, all intact.) And, of course, it's possible to drop money and lose it. I've had to train myself to be more on the ball with our cash and be extra careful.

    I took a few minutes today to add up what we've spent thus far in February and review what we have left to work with... I was $100 short. What?! Just a little moment of panic there! I added the numbers again. I counted my receipts to make sure I hadn't missed one. I thought maybe I didn't pull out the right amount for the month so I went back and checked. I counted and counted, added and added, where on earth did the money go? After trying to figure out how I explain this big oops to my husband, I found the error. I recorded one of my transactions as $139 instead of the actual $239 I spent! Whew! I don't usually spend that much at Sam's Club, and the number just slipped by me. Thank goodness I didn't lose anything! This little bit of excitement reminded me to be very diligent about watching those dollars - every one matters when it comes to budgeting!

    #cashisking #lifeonabudget #babystep7 #debtfreecommunity #frugalliving #livingfrugal #livingonabudget #livelikenooneelse #oneincomefamily #frugalfamily #savemoney #debtfree2020 #liveonlessthanyoumake #debtfree #budgetnerd #beintentional #focusednotfinished
  • 20 1 14 February, 2020
  • Frugal Valentine Fun!  Why pay $20 for a half dozen chocolate covered strawberries?  Chocolate and two containers of strawberries for less than $10!  They may not be as pretty as store bought, but they’re super fun to make and just as tasty!!! ❤️
  • Frugal Valentine Fun! Why pay $20 for a half dozen chocolate covered strawberries? Chocolate and two containers of strawberries for less than $10! They may not be as pretty as store bought, but they’re super fun to make and just as tasty!!! ❤️
  • 38 7 14 February, 2020
  • We got a bunch of free stuff in the mail today! I used ER points from both of our accounts to grab some things we needed - and it was like a Valentine's Day gift from Young Living! 😍

Plus, we had already gotten tons of freebies for ordering our usual batch of household goods - swipe left to see one of our monthly boxes! 📦

Spending money on Essential Rewards typically doesn't cost me anything extra than what I was spending before. I was already buying shampoo, conditioner, toothpaste, deodorant, makeup, dish soap, laundry soap, wipes, vitamin C, cough drops, sunscreen, supplements, air fresheners, and more from box stores, warehouse stores, online shops with 2 day shipping and more. 🤷‍♀️ All that spending just moved right on over to YL! 🤸‍♀️ Once a month shopping = fewer impulse buys. Points and promo tiers = lots of free stuff. Flexible shipping dates = convenience on my terms. Quality from a Seed to Seal promise = no more frustration with companies who don't live up to their advertising or using products that flat out don't work. Concentrated products = less plastic being used, and it's shipped from a no-waste warehouse! 🎉

I love win-win-win-win options! 
#budgetnerd #frugalliving #daveramseybabysteps #envelopespending #debtfree #moneymanagement #financialfreedom💰 #3RingCircusLife #naturalliving #cleanproducts #nontoxicmama #mamatribe #lifewithkids #familiesofinstagram #homeschoolfamilies
  • We got a bunch of free stuff in the mail today! I used ER points from both of our accounts to grab some things we needed - and it was like a Valentine's Day gift from Young Living! 😍

    Plus, we had already gotten tons of freebies for ordering our usual batch of household goods - swipe left to see one of our monthly boxes! 📦

    Spending money on Essential Rewards typically doesn't cost me anything extra than what I was spending before. I was already buying shampoo, conditioner, toothpaste, deodorant, makeup, dish soap, laundry soap, wipes, vitamin C, cough drops, sunscreen, supplements, air fresheners, and more from box stores, warehouse stores, online shops with 2 day shipping and more. 🤷‍♀️ All that spending just moved right on over to YL! 🤸‍♀️ Once a month shopping = fewer impulse buys. Points and promo tiers = lots of free stuff. Flexible shipping dates = convenience on my terms. Quality from a Seed to Seal promise = no more frustration with companies who don't live up to their advertising or using products that flat out don't work. Concentrated products = less plastic being used, and it's shipped from a no-waste warehouse! 🎉

    I love win-win-win-win options!
    #budgetnerd #frugalliving #daveramseybabysteps #envelopespending #debtfree #moneymanagement #financialfreedom 💰 #3RingCircusLife #naturalliving #cleanproducts #nontoxicmama #mamatribe #lifewithkids #familiesofinstagram #homeschoolfamilies
  • 3 0 13 February, 2020
  • I know this is SUPER obvious, but I have to remind myself that this #debtfreejourney has peaks and valleys. I’m struggling a little to stay on track right now. My personal life is seismically shifting and am I coping by buying Starbucks? Yes. Yes, I did that today. I don’t know if perfect 100% consistent focus exists. But I do know that I will get through this. I know nothing will stop me from ultimately getting out of debt and then building wealth. But. This morning I wanted a chai latte. ☕️
  • I know this is SUPER obvious, but I have to remind myself that this #debtfreejourney has peaks and valleys. I’m struggling a little to stay on track right now. My personal life is seismically shifting and am I coping by buying Starbucks? Yes. Yes, I did that today. I don’t know if perfect 100% consistent focus exists. But I do know that I will get through this. I know nothing will stop me from ultimately getting out of debt and then building wealth. But. This morning I wanted a chai latte. ☕️
  • 18 2 13 February, 2020
  • THANK GOODNESS FOR THAT! 😭 Our top priority the last couple of weeks has been to SURVIVE which has been a huge wake up call! Lately our only goal has been to keep our heads above water because we've gone way over our budget. We've made a lot of mistakes the last few months and done a lot of over-indulging. 
Now that we pay rent, buy our own groceries, pay for wifi and electricity etc. we need to be smarter with our money (we used to split these expenses with family that we were living with). But it's time for us to buckle down and get this sh*t sorted! 👊
  • THANK GOODNESS FOR THAT! 😭 Our top priority the last couple of weeks has been to SURVIVE which has been a huge wake up call! Lately our only goal has been to keep our heads above water because we've gone way over our budget. We've made a lot of mistakes the last few months and done a lot of over-indulging.
    Now that we pay rent, buy our own groceries, pay for wifi and electricity etc. we need to be smarter with our money (we used to split these expenses with family that we were living with). But it's time for us to buckle down and get this sh*t sorted! 👊
  • 70 4 11 February, 2020
  • New job, good problems, and this one always stumps me! I’m inclined to choose the higher premium plan...since I know I want to go to therapy and my son 100% needs speech therapy. BUT sometimes I feel like choosing insurance plans is always a gamble!!
  • New job, good problems, and this one always stumps me! I’m inclined to choose the higher premium plan...since I know I want to go to therapy and my son 100% needs speech therapy. BUT sometimes I feel like choosing insurance plans is always a gamble!!
  • 19 7 11 February, 2020
  • Hi 👋 all! I haven’t really done an introduction post...well...EVER, so here it goes. My name is Ang and I am the oh so tired, supported by caffeine face behind Frugoal. I’m a stay at home momma to a one year old and three year old and married to a reformed spender by the name of Phil, Phillip, or Philly Bear (his name changes based on my mood). We are on month TWENTY SIX of our debt free journey!!!!! Yikes! We started at over $234,000 worth of debt in January of 2018 and have been paying off a little at a time. It’s a marathon and not a sprint for us for sure! We have almost paid off $50,000 worth of debt so far as a one income family making less than  six figures a year (not too shabby). I’m a Mariah Carey worshipping, Bravo TV watching, Rosé drinking and coffee consuming budgeting nerd in a nutshell. I guess that is good for an intro post...right?!
#debtfreecommunity #debtfreejourney #frugoal #frugal #frugalliving #intentionalliving #budgeting #budget #budgetnerd #frugalmom #2020goals #debtfree #minimalism
  • Hi 👋 all! I haven’t really done an introduction post...well...EVER, so here it goes. My name is Ang and I am the oh so tired, supported by caffeine face behind Frugoal. I’m a stay at home momma to a one year old and three year old and married to a reformed spender by the name of Phil, Phillip, or Philly Bear (his name changes based on my mood). We are on month TWENTY SIX of our debt free journey!!!!! Yikes! We started at over $234,000 worth of debt in January of 2018 and have been paying off a little at a time. It’s a marathon and not a sprint for us for sure! We have almost paid off $50,000 worth of debt so far as a one income family making less than six figures a year (not too shabby). I’m a Mariah Carey worshipping, Bravo TV watching, Rosé drinking and coffee consuming budgeting nerd in a nutshell. I guess that is good for an intro post...right?!
    #debtfreecommunity #debtfreejourney #frugoal #frugal #frugalliving #intentionalliving #budgeting #budget #budgetnerd #frugalmom #2020goals #debtfree #minimalism
  • 160 17 11 February, 2020
  • Wow! The last two weeks have been absolutely awful! We caught a stomach virus that took its time working through every member of the family. Fortunately, I got it first and was able to care for everyone else as it attacked them and I knew what to expect.

Generally, when we get sick or have a cold we try to stay home and away from people so we don't spread germs to others.  A week after I'd been sick, I decided it was necessary to grab some things at the local grocery store so I could feed the family something gentle on their tummies. I hated buying anything local, and all I could think about was how expensive things were compared to Walmart. Unfortunately, Walmart (a half hour away) wasn't an option with sick kids at home. I had to get in and out, and back home again quickly!

That night I had to price check to see just how much money I wasted by not being more prepared and having these foods on hand ('cause I'm a #budgetnerd.) I was pleasantly surprised to find that many items were comparable. A few things were more, and a few were less. The whole purchase would have been MORE at Walmart, thanks the high price of grapes there. Without the grapes, everything else would have been nearly the same final bill! That really settled my brain since I felt like this little trip to the store may have busted the budget. 
My lesson learned? Having a good stockpile of foods in the pantry is essential to our family. During our #nospend19, we drained the pantry and freezers of excess. Although there's still lots of food in our house, I allowed the amount to reduce to the point that I had to go out and get items when we were in need. I normally would have ramen, chicken noodle soup, gingerale, crackers, applesauce, and extra breads on hand.

I am determined now to restock our supplies while focusing on using up only older foods - and that's coming in another post soon.  The last family member is on the mend and I am finally able to get a full night's rest. It's time to get life back to normal! I have so much to post about!
  • Wow! The last two weeks have been absolutely awful! We caught a stomach virus that took its time working through every member of the family. Fortunately, I got it first and was able to care for everyone else as it attacked them and I knew what to expect.

    Generally, when we get sick or have a cold we try to stay home and away from people so we don't spread germs to others. A week after I'd been sick, I decided it was necessary to grab some things at the local grocery store so I could feed the family something gentle on their tummies. I hated buying anything local, and all I could think about was how expensive things were compared to Walmart. Unfortunately, Walmart (a half hour away) wasn't an option with sick kids at home. I had to get in and out, and back home again quickly!

    That night I had to price check to see just how much money I wasted by not being more prepared and having these foods on hand ('cause I'm a #budgetnerd .) I was pleasantly surprised to find that many items were comparable. A few things were more, and a few were less. The whole purchase would have been MORE at Walmart, thanks the high price of grapes there. Without the grapes, everything else would have been nearly the same final bill! That really settled my brain since I felt like this little trip to the store may have busted the budget.
    My lesson learned? Having a good stockpile of foods in the pantry is essential to our family. During our #nospend19 , we drained the pantry and freezers of excess. Although there's still lots of food in our house, I allowed the amount to reduce to the point that I had to go out and get items when we were in need. I normally would have ramen, chicken noodle soup, gingerale, crackers, applesauce, and extra breads on hand.

    I am determined now to restock our supplies while focusing on using up only older foods - and that's coming in another post soon. The last family member is on the mend and I am finally able to get a full night's rest. It's time to get life back to normal! I have so much to post about!
  • 41 3 11 February, 2020
  • Making my budget for March 😱scares me. That housing % is SKY HIGH. And I found the most affordable housing I could. SO 👏🏼here are my options: stay comfortable and stay broke OR bust my 🍑 at work so I can get my 💵 up. ⭐️
  • Making my budget for March 😱scares me. That housing % is SKY HIGH. And I found the most affordable housing I could. SO 👏🏼here are my options: stay comfortable and stay broke OR bust my 🍑 at work so I can get my 💵 up. ⭐️
  • 29 6 10 February, 2020
  • A few weeks ago I did something uncharacteristic and posted goals...including long term goals. And just like that, they’ve been completely turned on their head as we’ve decided to go down a completely different path when it comes to building wealth. To be honest, I’m having trouble envisioning beyond the next few years because these new goals are quite significant and I feel like we need to just get through these first.
•
Don’t get me wrong, we still want to give more to charity, invest more aggressively and of course, live in Spain for a few months 🇪🇸 and we will make plans for all that stuff, but I think for my own sanity I just want to get through these revised goals, and given they’re just a few short years away from being achieved (I hope), I’ve decided to rebrand them as “Mid Term Goals” as they’re not short term but they’re not exactly long term either (in my opinion) 💁‍♀️
•
Then it won’t be long until we can do all the other amazing stuff that we want to do in life! When we achieve these goals, the world really will be our oyster and it will open up SO MANY doors for us 💖
•
So, we will continue to knuckle down and smash these revised goals! 👊
•
#comebudgetwithme #projectmortgageslay2020 #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth #wealthbuilding #enjoyyourmoney
  • A few weeks ago I did something uncharacteristic and posted goals...including long term goals. And just like that, they’ve been completely turned on their head as we’ve decided to go down a completely different path when it comes to building wealth. To be honest, I’m having trouble envisioning beyond the next few years because these new goals are quite significant and I feel like we need to just get through these first.

    Don’t get me wrong, we still want to give more to charity, invest more aggressively and of course, live in Spain for a few months 🇪🇸 and we will make plans for all that stuff, but I think for my own sanity I just want to get through these revised goals, and given they’re just a few short years away from being achieved (I hope), I’ve decided to rebrand them as “Mid Term Goals” as they’re not short term but they’re not exactly long term either (in my opinion) 💁‍♀️

    Then it won’t be long until we can do all the other amazing stuff that we want to do in life! When we achieve these goals, the world really will be our oyster and it will open up SO MANY doors for us 💖

    So, we will continue to knuckle down and smash these revised goals! 👊

    #comebudgetwithme #projectmortgageslay2020 #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth #wealthbuilding #enjoyyourmoney
  • 126 1 10 February, 2020
  • Hosted our first #financialpeaceuniversity class tonight. Pretty excited to share our journey with our friends, coworkers, and family that have decided to join us for the next nine weeks! We may still have plenty of ground to cover in our Baby Step 2 chapter, but we’re glad to get others on board and link arms with them as they get started!
  • Hosted our first #financialpeaceuniversity class tonight. Pretty excited to share our journey with our friends, coworkers, and family that have decided to join us for the next nine weeks! We may still have plenty of ground to cover in our Baby Step 2 chapter, but we’re glad to get others on board and link arms with them as they get started!
  • 57 3 10 February, 2020
  • 👏🏼When 👏🏼will 👏🏼 I 👏🏼 get 👏🏼 it 👏🏼 through 👏🏼 my 👏🏼head 🤣🤣
  • 👏🏼When 👏🏼will 👏🏼 I 👏🏼 get 👏🏼 it 👏🏼 through 👏🏼 my 👏🏼head 🤣🤣
  • 57 3 10 February, 2020
  • This little bug is my everything 🎂 I can’t imagine my life without him, and he is absolutely my WHY on my entire journey to #financialfreedom 💙 I want to be the best example I can for him and he pushes me to be a better person every day 👦🏻
  • This little bug is my everything 🎂 I can’t imagine my life without him, and he is absolutely my WHY on my entire journey to #financialfreedom 💙 I want to be the best example I can for him and he pushes me to be a better person every day 👦🏻
  • 23 5 10 February, 2020
  • This is my next personal challenge! It fulfills TWO purposes here: 1) I have a ton of tea, and I need to drink through some of it before I move (it’s part of project: pantry clean out) and 2) I have an autoimmune disorder and my body reacts really badly to coffee (even though I love it! 😩) so it’s a good body reset. ☕️ I’ll post this tracker in my stories if you want to follow along 💗👏🏼
  • This is my next personal challenge! It fulfills TWO purposes here: 1) I have a ton of tea, and I need to drink through some of it before I move (it’s part of project: pantry clean out) and 2) I have an autoimmune disorder and my body reacts really badly to coffee (even though I love it! 😩) so it’s a good body reset. ☕️ I’ll post this tracker in my stories if you want to follow along 💗👏🏼
  • 34 2 8 February, 2020
  • Hubby built this beautiful wood artwork for me with some scrap wood we had laying around. The only thing we had to purchase was some brackets and hangers.  So maybe $20 altogether for something that adds so much character to this space.

Our Dave house is what most people would call cookie cutter.  But I believe character in a home is what you build over time. There’s only so much character that a builder can put in. You have to make it your own, and it doesn’t have to cost a ton! 🏡
  • Hubby built this beautiful wood artwork for me with some scrap wood we had laying around. The only thing we had to purchase was some brackets and hangers. So maybe $20 altogether for something that adds so much character to this space.

    Our Dave house is what most people would call cookie cutter. But I believe character in a home is what you build over time. There’s only so much character that a builder can put in. You have to make it your own, and it doesn’t have to cost a ton! 🏡
  • 61 4 8 February, 2020
  • Anyone else wish they could claim their pets as dependents? 🤣
  • Anyone else wish they could claim their pets as dependents? 🤣
  • 1,914 122 8 February, 2020
  • Happy Friday loves!

I know you read or hear (even from me) tips and tools that tells you what you need to do to work towards being debt free, what avenues and changes you can make to get there. But often times we don't detail out a plan on HOW you can get there; as well as provide different tools and options based on your household's situation.

Budgeting 101: How To Budget For Beginners teaches a method that combines several budgeting methods into one method; which allows you to walk away with several ways to create and maintain a budget unique to your situation - BUT AT A BASIC LEVEL!

Some folks just want to know how to get started without all the noise; just learning a basic way to budget using several tools and methods (or even just one or two) and perfect the skill in their household; get in a rhythm.

I designed this course for that particular reason; as many people have been looking for a step by step guide on how to do it!

IT'S HERE and it's ready for you! I am also here for you as my household is on our #debtfree2025 journey! Let's empower each other to do better going forward.

Click the link below to learn more!

https://www.subscribepage.com/l7w6v8. *FYI - it is a safe link. I know the link (domain) says 'subscriberpage' but its a default link to a page I manage for my blog. I have not upgraded to customize the domain just yet. Growing my business one step at a time. I would never scam anyone. I keep things as secure as possible managing my blog; including information I pass to you all.* xoxo, Paris

#debtfree2025 #budgetnerd #financialfreedom #savingsgoals #changingthenarrative
  • Happy Friday loves!

    I know you read or hear (even from me) tips and tools that tells you what you need to do to work towards being debt free, what avenues and changes you can make to get there. But often times we don't detail out a plan on HOW you can get there; as well as provide different tools and options based on your household's situation.

    Budgeting 101: How To Budget For Beginners teaches a method that combines several budgeting methods into one method; which allows you to walk away with several ways to create and maintain a budget unique to your situation - BUT AT A BASIC LEVEL!

    Some folks just want to know how to get started without all the noise; just learning a basic way to budget using several tools and methods (or even just one or two) and perfect the skill in their household; get in a rhythm.

    I designed this course for that particular reason; as many people have been looking for a step by step guide on how to do it!

    IT'S HERE and it's ready for you! I am also here for you as my household is on our #debtfree2025 journey! Let's empower each other to do better going forward.

    Click the link below to learn more!

    https://www.subscribepage.com/l7w6v8. *FYI - it is a safe link. I know the link (domain) says 'subscriberpage' but its a default link to a page I manage for my blog. I have not upgraded to customize the domain just yet. Growing my business one step at a time. I would never scam anyone. I keep things as secure as possible managing my blog; including information I pass to you all.* xoxo, Paris

    #debtfree2025 #budgetnerd #financialfreedom #savingsgoals #changingthenarrative
  • 15 6 7 February, 2020
  • I have advised our property manager of our intention to sell one of our investment properties, and have also sent off some enquiries to some sales agents so we can start the ball rolling with getting it on the market…eeeeeek!
•
Shiz is getting real now, but I’m so excited and relieved. I’m feeling a bit overwhelmed about dealing with sales agents and having to pick one, then having the others who miss out chase me around and bother me. I might be overthinking it, it’s just been a long time since I’ve negotiated a property sale and it’s a bit daunting 😬
•
Any tips would be great! I have sent through enquiries to 3 x agents, all of which whenever I’m perusing the real estate app, they are the ones where I find their listings very appealing when it comes to staging, photography and attention to detail for the written blurb. Yes I know it sounds like I’m being fussy (grammar freak here) but it’s important for us to get as much money as possible for this place and I believe in getting what you pay for, so I’m willing to pay a slightly higher fee if it means we get an amazing marketing campaign that converts into a successful sale 🤑
•
Bring it on! 👊
•
#comebudgetwithme #projectmortgageslay2020 #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth #wealthbuilding #enjoyyourmoney
  • I have advised our property manager of our intention to sell one of our investment properties, and have also sent off some enquiries to some sales agents so we can start the ball rolling with getting it on the market…eeeeeek!

    Shiz is getting real now, but I’m so excited and relieved. I’m feeling a bit overwhelmed about dealing with sales agents and having to pick one, then having the others who miss out chase me around and bother me. I might be overthinking it, it’s just been a long time since I’ve negotiated a property sale and it’s a bit daunting 😬

    Any tips would be great! I have sent through enquiries to 3 x agents, all of which whenever I’m perusing the real estate app, they are the ones where I find their listings very appealing when it comes to staging, photography and attention to detail for the written blurb. Yes I know it sounds like I’m being fussy (grammar freak here) but it’s important for us to get as much money as possible for this place and I believe in getting what you pay for, so I’m willing to pay a slightly higher fee if it means we get an amazing marketing campaign that converts into a successful sale 🤑

    Bring it on! 👊

    #comebudgetwithme #projectmortgageslay2020 #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth #wealthbuilding #enjoyyourmoney
  • 145 8 7 February, 2020
  • 🤔 I feel like I’m forgetting approximately 100,000 things....anyone have anything to add to this? 📦 🚙 🏬
  • 🤔 I feel like I’m forgetting approximately 100,000 things....anyone have anything to add to this? 📦 🚙 🏬
  • 29 5 6 February, 2020
  • I mentioned last week that we are completely turning our plans and goals on their heads and going in a completely different direction, so I thought I would do another post where I could be more specific about our plans 💁‍♀️
•
Our current situation is we have our home that we live in plus 2 x investment properties. We purchased IP #1 (a townhouse) in 2008 and lived in it for just over 3 years before renting it out and moving in with my inlaws for a few years whilst we saved and built our current home that we live in. In 2017 we purchased IP #2 (a unit in town). It was an off the plan purchase. Never again. We’ve had nothing but issues with it in the 2.5 years we’ve had it, mostly due to poor workmanship. We are very fair and reasonable landlords in that we ensure the issues are tended to straight away, but it also means we are constantly out of pocket. Aside from the issues, we are also out of pocket $770 per month when it comes to the mortgage on it and all the other expenses (rates, water, strata etc). We have the negative gearing law here in Australia so we do get the tax benefits. If the property wasn’t causing us drama I would love to have kept it despite these costs as the location is amazing and I know the capital growth is / will be there. It’s right near the beach, the stadium / entertainment centre, shop, cafes, restaurants and transport. So once our tenant’s lease is up in April we are going to give them notice and put it on the market. We will be selling it as a vacant property as I don’t want the hassle of having a tenant in there when there are open home inspections (which wouldn’t be ideal for the tenant either of course), and look at getting it staged so it looks attractive and lived in. You gotta spend money to make money! We purchased the unit for $410K and at the moment there are a couple of other units in the complex on the market for between $525K to $575K (also one bedroom). I’d even be over the moon to get $500K 💵
•
Continued in comments! And there’s two comments because I’ve typed so much 🤣
  • I mentioned last week that we are completely turning our plans and goals on their heads and going in a completely different direction, so I thought I would do another post where I could be more specific about our plans 💁‍♀️

    Our current situation is we have our home that we live in plus 2 x investment properties. We purchased IP #1 (a townhouse) in 2008 and lived in it for just over 3 years before renting it out and moving in with my inlaws for a few years whilst we saved and built our current home that we live in. In 2017 we purchased IP #2 (a unit in town). It was an off the plan purchase. Never again. We’ve had nothing but issues with it in the 2.5 years we’ve had it, mostly due to poor workmanship. We are very fair and reasonable landlords in that we ensure the issues are tended to straight away, but it also means we are constantly out of pocket. Aside from the issues, we are also out of pocket $770 per month when it comes to the mortgage on it and all the other expenses (rates, water, strata etc). We have the negative gearing law here in Australia so we do get the tax benefits. If the property wasn’t causing us drama I would love to have kept it despite these costs as the location is amazing and I know the capital growth is / will be there. It’s right near the beach, the stadium / entertainment centre, shop, cafes, restaurants and transport. So once our tenant’s lease is up in April we are going to give them notice and put it on the market. We will be selling it as a vacant property as I don’t want the hassle of having a tenant in there when there are open home inspections (which wouldn’t be ideal for the tenant either of course), and look at getting it staged so it looks attractive and lived in. You gotta spend money to make money! We purchased the unit for $410K and at the moment there are a couple of other units in the complex on the market for between $525K to $575K (also one bedroom). I’d even be over the moon to get $500K 💵

    Continued in comments! And there’s two comments because I’ve typed so much 🤣
  • 187 18 5 February, 2020
  • ONE STEP CLOSER TO MY EPIC MOVE! 👏. Found a really cute 2-bed 1 bath (I do not need to be cleaning 2 bathrooms 🤣) for me and my son. One step closer to this new #singlemom chapter in my life 🙏🏼➡️➡️swipe for progress on my 2020 checklist 💗
  • ONE STEP CLOSER TO MY EPIC MOVE! 👏. Found a really cute 2-bed 1 bath (I do not need to be cleaning 2 bathrooms 🤣) for me and my son. One step closer to this new #singlemom chapter in my life 🙏🏼➡️➡️swipe for progress on my 2020 checklist 💗
  • 52 13 4 February, 2020
  • Hey!

I started A MillennialWOMAN Empowered because 2019 change me and my husbands outlook on life for the better! We decided we wanted better for ourselves. And the only people holding us back was us! Bottomline, we have a vision for our family and we know what it’s going to take to get there! Thank you Lord for giving us clarity on last year so that we can make better moves this year!

What I blog about, my budgeting course, the tools I’ve created was designed to help empower someone to catch hold of their situation and make a change. Most of the problems in our lives are because of our own doing!

No more! Have a plan for your future and give it to God!

I want to help others in the area of their money and finances because I’m living it! And the lack of financial education in our community is mind blowing to me because there is so many resources available; but you have to want better! So I decided to one of those resources for my household and for others!

Where to start?! Determine you ‘why’! I have mine written on a post it note every time I budget for my household! When you have a ‘why’ for you budget, it motivates you to keep going! It makes it that much more meaningful!

Your life is a narrative. Change it and be the solution!

www.changingthenarrative.teachable.com
www.amillennialwomanempowered.com

#budgetnerd #budgeting101 #savingsgoals #financialpeace
  • Hey!

    I started A MillennialWOMAN Empowered because 2019 change me and my husbands outlook on life for the better! We decided we wanted better for ourselves. And the only people holding us back was us! Bottomline, we have a vision for our family and we know what it’s going to take to get there! Thank you Lord for giving us clarity on last year so that we can make better moves this year!

    What I blog about, my budgeting course, the tools I’ve created was designed to help empower someone to catch hold of their situation and make a change. Most of the problems in our lives are because of our own doing!

    No more! Have a plan for your future and give it to God!

    I want to help others in the area of their money and finances because I’m living it! And the lack of financial education in our community is mind blowing to me because there is so many resources available; but you have to want better! So I decided to one of those resources for my household and for others!

    Where to start?! Determine you ‘why’! I have mine written on a post it note every time I budget for my household! When you have a ‘why’ for you budget, it motivates you to keep going! It makes it that much more meaningful!

    Your life is a narrative. Change it and be the solution!

    www.changingthenarrative.teachable.com
    www.amillennialwomanempowered.com

    #budgetnerd #budgeting101 #savingsgoals #financialpeace
  • 19 8 4 February, 2020
  • 1 in 5 Millennials will die without being able to payoff their debt. One reason?! Lack of financial education!

My blogs are back! And in today's blog post, I am discussing 8 Credit Card Mistakes You Might Be Making.

When it comes to credit cards, it has it’s pros and cons; as this powerful piece of plastic can do you some good when used correctly. But when not used correctly, oh boy, it can COST! It can definitely cause some financial damage.

Below are 8 credit card mistakes that I am sure we all are guilty of making - and they all have one common thread…

MISMANAGEMENT!  And the sad thing is...it’s so easy to do because credit cards are easily accessible!

And where does it leave us? Piled up with credit card debt, damaged credit, and a whole lot of stress. And I don’t know about you, but I am not entering into this new decade making the same financial mistakes I made last decade!

New post up NOW! Check it out at www.amillennialwomanempowered.com or just click the link below!

https://amillennialwomanempowered.com/8-credit-card-mistakes-you-might-be-making/

Happy Reading!

xoxo, Paris

#budgeting101 #budgetnerd #financialeducation #debtfree2025 #savingsgoals #financialfreedom
  • 1 in 5 Millennials will die without being able to payoff their debt. One reason?! Lack of financial education!

    My blogs are back! And in today's blog post, I am discussing 8 Credit Card Mistakes You Might Be Making.

    When it comes to credit cards, it has it’s pros and cons; as this powerful piece of plastic can do you some good when used correctly. But when not used correctly, oh boy, it can COST! It can definitely cause some financial damage.

    Below are 8 credit card mistakes that I am sure we all are guilty of making - and they all have one common thread…

    MISMANAGEMENT! And the sad thing is...it’s so easy to do because credit cards are easily accessible!

    And where does it leave us? Piled up with credit card debt, damaged credit, and a whole lot of stress. And I don’t know about you, but I am not entering into this new decade making the same financial mistakes I made last decade!

    New post up NOW! Check it out at www.amillennialwomanempowered.com or just click the link below!

    https://amillennialwomanempowered.com/8-credit-card-mistakes-you-might-be-making/

    Happy Reading!

    xoxo, Paris

    #budgeting101 #budgetnerd #financialeducation #debtfree2025 #savingsgoals #financialfreedom
  • 18 0 3 February, 2020
  • 😆it’s crazy how that vacation just bought itself! JUST kidding I do have a plan this year but DAMN if kitchen gadgets and a sofa have never looked more tempting 😂
  • 😆it’s crazy how that vacation just bought itself! JUST kidding I do have a plan this year but DAMN if kitchen gadgets and a sofa have never looked more tempting 😂
  • 387 30 3 February, 2020
  • The numbers are in for January 2020 🥂. I’m actually glad I added it all up, because I thought I’d paid off way less than this. 🌺 I’m always BLOWN away when people pay off thousands of $dollars each month. My shovel just isn’t that huge. But I’m happy with my January progress! Keep up the good work, my friends 🤍
  • The numbers are in for January 2020 🥂. I’m actually glad I added it all up, because I thought I’d paid off way less than this. 🌺 I’m always BLOWN away when people pay off thousands of $dollars each month. My shovel just isn’t that huge. But I’m happy with my January progress! Keep up the good work, my friends 🤍
  • 20 5 2 February, 2020
  • Ever since we made the decision the other day to sell one of our investment properties this year, continue smashing down our mortgage and then move back into our other investment property to live a mortgage free life in a few short years (then start hardcore saving for our forever home so we can pay in cash, whilst also sprucing up the investment property while living there as it will need a bit of updating before we eventually sell it down the track), I’ve become rather obsessive and it’s all I can think about.
•
The planner in me is already looking at real estate in the area we’ll be moving back to, thinking about furniture, style, and how we’ll condense our lives from living in our current four bedroom home to living in our two bedroom townhouse (where we will live for several years before purchasing again) - particularly when I’m swinging more towards minimalism and my husband loves “stuff”. It’s created a bit of tension having these discussions the last 24 hours.
•
I just need to take a step back and stop it. I need to snap out of it. Everything will fall into place and how exciting that we are in this position in the first place. I need to stop thinking so far ahead and trust that everything will work out. My husband and I are great at compromising together and this won’t be any different. I loved living in our townhouse when we first bought it and I love that we’ll be coming full circle and moving back in (minus the mortgage). We’ll be so much closer to our families and it’s a great area 🏠
•
So after going on a ramble after I just said I need to snap out of it 🤣 I’m going to stop looking at real estate, furniture and rugs and just focus on what we need to do now / this year which is keeping #projectmortgageslay2020 alive by kicking our mortgage to the kerb as well as look at getting our unit on the market in the next few months 💅
•
#comebudgetwithme #projectmortgageslay2020 #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth #wealthbuilding #enjoyyourmoney
  • Ever since we made the decision the other day to sell one of our investment properties this year, continue smashing down our mortgage and then move back into our other investment property to live a mortgage free life in a few short years (then start hardcore saving for our forever home so we can pay in cash, whilst also sprucing up the investment property while living there as it will need a bit of updating before we eventually sell it down the track), I’ve become rather obsessive and it’s all I can think about.

    The planner in me is already looking at real estate in the area we’ll be moving back to, thinking about furniture, style, and how we’ll condense our lives from living in our current four bedroom home to living in our two bedroom townhouse (where we will live for several years before purchasing again) - particularly when I’m swinging more towards minimalism and my husband loves “stuff”. It’s created a bit of tension having these discussions the last 24 hours.

    I just need to take a step back and stop it. I need to snap out of it. Everything will fall into place and how exciting that we are in this position in the first place. I need to stop thinking so far ahead and trust that everything will work out. My husband and I are great at compromising together and this won’t be any different. I loved living in our townhouse when we first bought it and I love that we’ll be coming full circle and moving back in (minus the mortgage). We’ll be so much closer to our families and it’s a great area 🏠

    So after going on a ramble after I just said I need to snap out of it 🤣 I’m going to stop looking at real estate, furniture and rugs and just focus on what we need to do now / this year which is keeping #projectmortgageslay2020 alive by kicking our mortgage to the kerb as well as look at getting our unit on the market in the next few months 💅

    #comebudgetwithme #projectmortgageslay2020 #debtfreecommunity #debtfreejourney #debtfreeaf #debtisdumb #budgetlife #budgettips #budgeting #sinkingfunds #budgetsaresexy #debtfreecommunityaustralia #personalfinance #ozdebtfreecommunity #budgetnerd #buildingwealth #wealthbuilding #enjoyyourmoney
  • 188 18 2 February, 2020
  • Finally February!

Proud of where we ended up with January’s total sent to debt! Last year we included our mortgage payments in the total for the last couple of months of the year. This year we’ve decided that since the mortgage isn’t part of baby step 2, we’re going to make our other payments the focus here. We’ll track how our mortgage changes throughout the year just out of curiosity, but since we aren’t paying any extra yet, we don’t expect to see major change.

More of a breakdown in January’s numbers to come!
  • Finally February!

    Proud of where we ended up with January’s total sent to debt! Last year we included our mortgage payments in the total for the last couple of months of the year. This year we’ve decided that since the mortgage isn’t part of baby step 2, we’re going to make our other payments the focus here. We’ll track how our mortgage changes throughout the year just out of curiosity, but since we aren’t paying any extra yet, we don’t expect to see major change.

    More of a breakdown in January’s numbers to come!
  • 43 2 2 February, 2020
  • 😂 ❄️ little teeny baby credit card payment this month. I had to pay the minimum, because I’m panicking about moving, stashing as much cash as possible, and due to a 5 week month, daycare was an extra $180 in January. SO. Snowflake payment it is!! 🥊 Knocking that sucker down .7% at a time 🤣 #itaintnothing
  • 😂 ❄️ little teeny baby credit card payment this month. I had to pay the minimum, because I’m panicking about moving, stashing as much cash as possible, and due to a 5 week month, daycare was an extra $180 in January. SO. Snowflake payment it is!! 🥊 Knocking that sucker down .7% at a time 🤣 #itaintnothing
  • 37 4 1 February, 2020
  • January spending €29.19. These were items that weren't 100% essential. I wear black jeans for work somedays, but I could have made do with wearing dresses etc. Bananas because I had no breakfast at work. I could have skipped a meal. Overall not too bad at all. 
My bonus vouchers from work have come in... €1,100.00. If I need to replace clothing, shoes, make up etc through the year I'll use these. Have a feeling my phone won't last much longer either 🙈 
#lowspend #frugal #babysteps #debtfreecommunity #debtfree #budgetnerd #budget #tightbudget #financialpeace #debtfreecommunity #debt
  • January spending €29.19. These were items that weren't 100% essential. I wear black jeans for work somedays, but I could have made do with wearing dresses etc. Bananas because I had no breakfast at work. I could have skipped a meal. Overall not too bad at all.
    My bonus vouchers from work have come in... €1,100.00. If I need to replace clothing, shoes, make up etc through the year I'll use these. Have a feeling my phone won't last much longer either 🙈
    #lowspend #frugal #babysteps #debtfreecommunity #debtfree #budgetnerd #budget #tightbudget #financialpeace #debtfreecommunity #debt
  • 7 0 1 February, 2020
  • Even though it’s technically still January, our paychecks today count towards February’s budget.  New month=new color on the chart!

We paid $650 on the car today so I got to do some coloring this morning!

It’s been so fun watching this chart fill up!
  • Even though it’s technically still January, our paychecks today count towards February’s budget. New month=new color on the chart!

    We paid $650 on the car today so I got to do some coloring this morning!

    It’s been so fun watching this chart fill up!
  • 42 6 31 January, 2020
  • 🥳🥳🥳YESSSSSS I got an offer!! And it’s a really exciting comp package with great earning potential and career growth potential IN the city I want to be in! I AM SO EXCITED! #makingmoneymoves ➡️➡️swipe for my full big 2020 priorities checklist #fuckyeah
  • 🥳🥳🥳YESSSSSS I got an offer!! And it’s a really exciting comp package with great earning potential and career growth potential IN the city I want to be in! I AM SO EXCITED! #makingmoneymoves ➡️➡️swipe for my full big 2020 priorities checklist #fuckyeah
  • 59 18 31 January, 2020